Credit Portfolio Assessment       Your Name Email Address       1. Have you had a bankruptcy in the last two years? Yes   No 2. Have you been turned down for credit within the last year? Yes   No 3. Are any of your credit obligations past due? Yes   No 4. Do you have two or more credit cards with balances? Yes   No 5. Are you living in an apartment because your credit score isn't high enough to purchase a house? Yes   No 6. Are you having difficulty establishing or reestablishing credit? Yes   No 7. Is your credit score on any one of the three major credit bureaus (Trans Union T.U., Experien-TRW or Equifax) below 620? Yes   No 8. Have you borrowed from a credit card to pay another credit obligation during the past year? Yes   No 9. Do you have more outgoing payments than you have income? Yes   No 10. Do you have a tax lien on your personal property or business? Yes   No 11. Do you owe back taxes to the IRS? Yes   No 12. Are you paying your obligations with a money order or cashier's check because you don't have a checking account? Yes   No